| General |
| 1.
| What kinds of products and services does Capital One offer?
|
|
| Capital One provides a wide variety of products and services. Visit our site map to see and take advantage of what we have to offer.
|
| Back to top |
| 2.
| Which credit card accounts are eligible for Online Banking? |
|
| Here is a list of Capital One credit card accounts that can be accessed via Online Banking:
|
| Back to top |
| 3.
| How do I enroll in Online Banking?
|
|
| Enrolling in Capital One Online Banking is quick and simple. Just go to the Enroll in Online Banking page and follow the instructions.
|
| Back to top |
| 4.
| How do I stop receiving paper statements for my credit card?
|
|
| To stop receiving paper statements for your credit card, log in to Online Banking and go to the Customer Service page, then click the Stop Paper Statements link. If you are not enrolled for Online Banking, eligible customers can enroll here.
When you sign up to stop receiving paper statements, you’ll receive a monthly e-mail letting you know that your latest credit card statement is available online. You can also use your online statement as your statement-of-record. |
| Back to top |
| 5.
| How do I go back to receiving paper statements for my credit card?
|
|
| To start receiving paper credit card statements again, you’ll need to give us a call at 1-866-750-0873 and one of our representatives will be able to cancel you from this service. Make sure you have your account number handy.
|
| Back to top |
| 6.
| What do I do if my credit report is wrong?
|
|
| If you find discrepancies related to your Capital One account on your credit report, call our Customer Relations department. We will help you investigate and resolve the matter.
Consumer credit card customers - 1-800-955-7070
Small business credit card customers - 1-800-867-0904.
|
| Back to top |
| Credit Card |
| 7.
| How do I apply for a credit card?
|
|
| You can view our online credit cards and apply online on our Web site. |
| Back to top |
| 8.
| Can I activate my credit card online? |
|
| Unfortunately, we are unable to activate a credit card through Online Banking. In order to activate your Capital One credit card, please contact the number listed on the sticker attached to your card or on the back of your card.
|
| Back to top |
| 9.
| I recently requested a new card be sent to me. How long will it take to arrive?
|
|
Credit cards sent by U.S. Mail will leave Capital One within four business days, but you should allow five to seven business days for mailing time.
Credit cards sent by Express Delivery will be delivered within three business days (Monday through Saturday) and will require a signature to confirm receipt.
|
| Back to top |
| 10.
| How can I access my credit card account information?
|
|
| |
Online Account Access
|
Automated Phone System
|
| Request application |
|

|
| Request application status |
|

|
| Activate account |
|

|
| View recent payments |

|

|
| Review available credit and/or balance |

|

|
| Review transfer status |
|

|
| Review recent transactions |

|

|
| Review recent statements (6 months)1 |

|
|
| Request previous statements1 |

|

|
| Sign up for e-statements1 |

|
|
| Report a credit card lost or stolen |
|

|
| Dispute a charge |

|
|
| Request to close account |
|

|
| Update personal information |

|
|
| Reset your Online Banking password |

|
|
| Review your guide to benefits |

|
|
1 Customers with the Business Platinum No Hassle Miles Card with Advantage 60 will be unable to view their statement online at this time. However, they will be able to register for OAS, pay their bill and see recent activity online.
|
| Back to top |
| 11.
| How do I transfer a balance from another account to my Capital One credit card account?
|
|
Online
You can make a balance transfer request online if you already have a Capital One credit card. It only takes a few minutes to complete the request. Read more about balance transfers.
By phone
Consumer credit card customers - 1-800-955-7070
Small business credit card customers - 1-800-867-0904.
|
| Back to top |
| 12.
| I want to dispute a charge on my credit card statement. What do I do?
|
|
We can help you identify and dispute the charge(s).
Online
Log in to your online credit card account, click the Customer Service tab, then click the Dispute a Charge link on that page, and follow the steps. If you are not enrolled for Online Banking, eligible customers can enroll here.
By phone
Consumer credit card customers - 1-800-955-7070
Small Business credit card customers - 1-800-867-0904.
Additional information
Please visit www.capitalone.com/disputes.
|
| Back to top |
| 13.
| Can I have my credit card payment automatically deducted from my checking account?
|
|
| Although our online system does not currently offer a recurring payment function, some Capital One accounts are eligible to participate in a program called "Capital One AutoPay." Please contact us at 1-800-955-7070 if you are a consumer credit card customer, and at 1-800-867-0904 if you are a business credit card customer to find out if you are eligible for this service and to enroll. There is usually a fee for this service. Our Customer Relations representatives are available to assist you 24 hours every day.
|
| Back to top |
| 14.
| What is my credit card balance and how much money do I have left to spend?
|
|
| Log in to Online Banking to check your current balance, recent transactions, and available credit on the Account Summary screen. Or call our automated line at 1-800-955-7070 to get the same information by phone.
If you are not already enrolled, enroll your credit card today by following the simple enrollment process.
|
| Back to top |
| 15.
| Can I add someone to my credit card account?
|
|
It depends on who you want to add and what level of account responsibility they will take. We advise that you give us a call to determine whether your account is eligible to add a new user. There is no fee to add a user to an account.
Consumer credit card customers - 1-800-955-7070
Small business credit card customers - 1-800-867-0904
|
| Back to top |
| 16.
| How do I close my credit card account?
|
|
To close your account, please give
us a call at 1-800-955-7070 to speak to a representative. Once you've requested
that your account is closed, you should:
Stop using your card
Stop any monthly automatic payments or pre-authorized charges you may have set up on your account, such as Internet Service Provider charge or monthly health club billing
Pay the entire remaining account balance in full within 90 days after we receive your request to close your account |
| Back to top |
| 17.
| Does Capital One charge fees for foreign currency transactions made with a credit card?
|
|
Capital One does not charge a fee for using your credit card for foreign currency transactions. Foreign purchases will be converted at the foreign exchange rate in effect at the time of posting the charge.
|
| Back to top |
| 18.
| How can I get my credit limit increased?
|
|
Capital One is a conservative lender and most credit limit increases are based on proactive reviews of accounts. We cannot provide specifics regarding when these reviews will occur or what the criteria will be. However, you will be notified if you receive a limit increase.
By keeping all of your accounts in good standing, you will increase the likelihood of receiving an increase during a proactive review.
|
| Back to top |
|
| Rewards are benefits that you earn for making purchases with a rewards-type of credit card. You accumulate rewards based on the dollar amount of purchases made with your card over a period of time. Depending on the rewards program, you can then redeem your earned rewards travel, merchandise, gift cards, or cash back.
Capital One has a suite of credit card products that allow you to earn rewards—such as miles, points, or cash back—when you make an eligible transaction (the details and restrictions concerning Capital One’s rewards programs vary).
|
| Back to top |
| 20.
| How do I get a new personal identification number (PIN) for my credit card? |
|
| You will not be able to retrieve your old PIN, but if you call the automated response line at 1-800-955-7070 and follow the prompts, you will be able to create a new one right over the phone |
| Back to top |
| Credit Card Payments |
| 21.
| What's the fastest way to get a credit card payment to you?
|
|
| It’s quick and convenient to pay your bill online. Just log in and click the Pay Capital One tab to schedule your online bill payment. If you are not already enrolled, enroll your credit card today by following the simple enrollment process.
By phone/automated system
Consumer credit card customers - 1-800-955-7070
Small business credit card customers - 1-800-867-0904
|
| Back to top |
| 22.
| What is your payment address?
|
|
| Our mailing addresses are listed in the Contact Us section of our site. Please check that page and select the account type to get the correct mailing address.
|
| Back to top |
| 23.
| How do I change the payment due date on my credit card account?
|
|
Our Customer Relations department will process your request to change your payment due date.
Consumer credit card customers - 1-800-955-7070
Small business credit card customers - 1-800-867-0904
|
| Back to top |
| 24.
| Can I pay my credit card over the phone?
|
|
| Pay-By-Phone (formerly Capital Pay) allows customers to make payments over the phone to a Capital One credit card account 24 hours a day. The funds will either be requested electronically (ACH) or manually (physical check) as a withdrawal from the customer's bank account. There is usually a nominal fee for this service.
Note: A Pay-By-Phone cannot be processed from midnight Monday to 8:00 a.m. ET because of weekly system updates.
|
| Back to top |
| 25.
| How can I tell if you’ve received my credit card payment?
|
|
| If you are enrolled in Online Banking, you can check online that we’ve received your most recent payment. Just log in, and view your account information on the Transactions & Details screen.
If you are not already enrolled, enroll your credit card today by following the simple enrollment process. You can also give us a call to get your latest account information:
Consumer credit card customers - 1-800-955-7070
Small business credit card customers - 1-800-867-0904
|
| Back to top |
| 26.
| What payment methods are acceptable for making a credit card payment? |
|
| We accept credit card payments by several different payment methods as listed below.
Please note that funds may be available as early as 8:00 a.m. the next day, and may be verified before they are made available.
|
Payment by phone with a check
Have your checkbook available when you call.
|
- Call 1-800-844-1590
- There is a $14.95 service fee
- Payments made by 6:00 p.m. Monday through
Saturday are applied to the account the same business day and will be
available after 8:00 a.m. the following day.
- Payments made after 6:00 p.m. Monday through Saturday and all day Sunday will be applied to the account the next business day and will be available after 8:00 a.m. the following day.
(All times Eastern.)
Note: Payments by phone cannot be processed from 12:00am to 8:00am ET on Mondays due to weekly system updates.
|
|
Capital One Online Banking
Free online service for managing your credit card account
|
- Go to http://www.capitalone.com and follow the simple
enrollment instructions.
- Confirmed online payment requests completed by 3:00 p.m. Monday through Saturday will post the same day and will be available after 8:00 a.m. the following day.
(All times Eastern.)
|
|
Checkfree®
This bill payment service is not associated with Capital One.
|
- Call 1-800-297-3180 or go online at http://checkfree.com
and follow the instructions there.
- Payments received by 3:00 p.m. Monday through Saturday will be applied to the account on the same business day and will be available after 8:00 a.m. the following day.
(All times Eastern.)
|
|
Moneygram
Payment wiring service not associated with Capital One.
|
- Call 1-800-926-9400
- $8.95 service fee
- Moneygrams received by 1:30 p.m. Monday through Saturday will be applied to the account on the same business day and will be available after 8:00 a.m. the following day
(All times Eastern.)
|
|
Western Union Quick Collect®
Method of wiring a payment through Western Union
|
- Call 1-800-238-5772
- $12.95 service fee
- Quick Collect payments received by 1:30 p.m. Monday through Friday will be applied to the account on the same business day
(All times Eastern.)
|
|
ACE Bill Pay
Pay your credit card balance electronically at one of the ACE (America's Cash Express) check cashing facilities.
|
- Call 1-800-955-7070 to find the closest ACE
location near you
- $5.00 service fee in all states except South
Carolina, where ACE payments can not be made
- Payments made before 2:45 p.m. Monday through Saturday and
Martin Luther King Day
President's Day
Easter
Memorial Day
Independence Day
Labor Day
Columbus Day
Veteran's Day
will be applied to the account the same business day and
will be available at 8:00 a.m. the day after.
- Payments made after 2:45 p.m. Monday through Saturday and
will be applied the next business day and be available the day after.
(All times Eastern.)
|
|
CheckFree Pay (formerly American Payment Services - APS)
Pay your credit card electronically at any of the retail businesses that utilize the CheckFree Pay bill payment network
|
- Call 1-800-955-7070 to find your closest
CheckFree location.
- The cost of a transaction is $5.00
- Payments made before 1:30 p.m. Eastern Time Monday through Saturday and
are applied the same business day and the funds are
available after 8:00 a.m. the day after.
- Payments made after 1:30 p.m. Eastern time M-Sat and
are available the next business day and after 8:00 a.m. the day after.
(All times Eastern.)
|
|
| Back to top |
| Lost or Stolen Cards |
| 27.
| What do I do if my credit card is lost or stolen?
|
|
| To prevent any fraudulent activity, please call us immediately at 1-800-955-7070. If you are a small business credit card customer, please call us a 1-800-867-0904. From outside the United States, please call our collect number at 804-934-2001.
If possible, please have your 16-digit credit card number, the circumstances of the loss or theft such as date and location, the last authorized charges to your account, and any access or purchase checks numbers that need to be honored.
|
| Back to top |
| 28.
| What should I do if my ATM or Debit Card is lost or stolen?
|
|
Lost or stolen ATM or Debit Cards should be reported immediately by calling 1-800-666-4417 to minimize any possible losses. We will deactivate your ATM or Debit Card and issue you a new replacement card.
|
| Back to top |
| 29.
| There are charges on my credit card account that I didn't make. What should I do?
|
|
| If you suspect fraudulent account activity or your card was lost or stolen, please call us immediately at 1-800-955-7070 to report the issue. If you are a Small Business credit card customer, please call us at 1-800-867-0904.
|
| Back to top |
| Branch Banking |
| 30.
| How do I find a banking branch/ATM location, address, or phone number? |
|
| Capital One now has over 700 Capital One Bank branches
and over 1,100 ATMs in Connecticut, Louisiana, New Jersey, New York and Texas.
Find
a Branch/ATM. You may also obtain general information about payment
addresses, phone numbers, correspondence, and business partners, by going to the
Contact
Us
link. |
| Back to top |
| 31.
| How do I open a Capital One checking account?
|
|
| If you are a Texas or Louisiana customer, please visit our new checking home page to view a complete listing of Capital One product suites for either Personal or Small Business. You may also contact us 1-888-855-BANK (2265). |
| Back to top |
| 32.
| What self-service functions are available to me online? |
|
There are many self service functions available in Online Banking, including:
- Ability to stop payment on a check
- Ability to order copies of paid checks or statements (should you need something more than a check image or online statement)
- Ability to personalize your online information (determine nicknames, mask accounts, define which accounts display online, etc.)
- Linking accounts (if you open new accounts that you want added or you wish to link Capital One credit cards or auto loans
- Ability to re-order checks online
|
| Back to top |
| 33.
| What do I do if I have questions about my account or my ability to access my information? |
|
| You can access our secure message center under the Messages and Alerts tab within Online Banking. This information is not sent over the public Internet and is secure. Our team of Online Banking specialists will review your request or issue and respond back to your Online Banking mailbox.
You can also access our Online Banking associates by calling 877-442-3764. They can assist with any account need and also, where necessary, emulate your Online Banking session to help resolve issues by seeing what you see.
|
| Back to top |
| 34.
| What’s the process for creating a transfer to or from an account I own at another bank? |
|
| First you’ll need to link your an external bank account in Online Banking. Then we’ll need to validate that the account information is correct and initiate account ownership verification (real-time online or through small dollar amount trial deposits). Once we can validate account ownership, your external account will be available for transfers. |
| Back to top |
| Loans |
| 35.
| How do I make payments on my loans?
|
|
| Online Banking provides you with a few options for making loan payments:
For bank loans, you have two options:
(1) Transfer funds from a linked deposit account to make real time payments, or
(2) Schedule a payment from your linked checking account through Online Bill Payment.
For Capital One credit cards, you can schedule an Online Bill Payment from your linked checking account by creating “Capital One” as a payee.
For Capital One auto loans, you also have two options.
(1) Schedule an Online Bill Payment from your linked checking account by adding “Capital One Auto Finance” as a payee, or
(2) Link another bank account (at any US bank) to your profile and schedule a single or recurring ACH bill payment through the Payments function.
For all products where internal payments are available, you’ll see a Payments or Pay Now button offered on the Account Summary screen that will direct you to the available options.
|
| Back to top |
| 36.
| How do I pay my bill?
|
|
| This varies by loan type. The easiest way to find out is to call the number for your particular loan type and speak to a representative who will be able to explain the various options for paying your bill. Please visit the Contact Us pages to get the phone number for your loan type.
|
| Back to top |
| 37.
| How soon will my payment be posted to my account?
|
|
| This varies by loan type. The easiest way to find out is to call the number for your particular loan type and speak to a representative who will be able to explain the various options for paying your bill. Please visit the Contact Us pages to get the phone number for your loan type.
|
| Back to top |
| 38.
| How do I change the payment due date on my account?
|
|
| This varies by loan type. The easiest way to find out is to call the number for your particular loan type and speak to a representative who will be able to explain the various options for paying your bill. Please visit the Contact Us pages to get the phone number for your loan type.
|
| Back to top |
| Quicken, Money, or QuickBooks Users |
| 39.
| Is there a fee for downloading transactions into QuickBooks?
|
|
| No.
|
| Back to top |
| 40.
| What versions of Quicken, QuickBooks or Money software will you support? |
|
| We always support the current version, plus the two
prior versions, of Quicken for Windows and MAC, QuickBooks for Windows and MAC,
as well as Windows Microsoft Money. |
| Back to top |
| Checking |
| 41.
| Can I stop payment of a check online?
|
|
| With Online Banking, you can place a stop payment on a
check written from your Capital One® account in a matter of minutes. Be sure to
check your account history to determine if your check has cleared or been
presented for payment before submitting a request. Learn
more |
| Back to top |
| 42.
| How can I get a copy of a cancelled check or a statement online?
|
|
Log in to OnlineBanking.capitalone.com and select one of the following options:
- For a copy of a cancelled check, go to Self Service and select Order Check Copy.
- For a copy of a statement, go to Self Service and select Order Statement Copy
|
| Back to top |